It happens to the best of us. You start on your journey to work. The morning starts off perfect; the roads are clear and traffic is moving steady. The sun is shining and there is not a cloud in the sky; the day is simply a perfect day. Confident that it is going to be an uneventful morning commute, you turn on your favorite radio show and enjoy the conversation. Then out of the blue, CRASH! Your perfect, uneventful morning commute has just changed; you have just been in an accident. Millions of thoughts immediately start going through your head. After making sure that everyone is fine, exchanging information; you finally finish your journey to work.